What can I help you with?
Home Purchase
Should you get a fixed-rate or adjustable rate mortgage? A private conventional loan or a government-backed loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.
Refinance
One of the best and most common reasons to refinance is to lower your loan’s interest rate. Historically, the rule of thumb has been that refinancing is a good idea if you can reduce your interest rate by at least 2%. However, many analysts say 1% savings is enough of an incentive to refinance.
HECM Reverse Mortgage
A HECM (Home Equity Conversion Mortgage) reverse mortgage is a home loan that you do not have to pay back for as long as you live in your home. It can be paid to you in one lump sum, as a regular monthly income, or at the times and in the amounts you want. The loan and interest are repaid only when you sell your home, permanently move away, or die.